{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"With the ING app you can do international transfers in more than 30 currencies. Quick and easy.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How to make an international payment"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"If you use the ING App, select 'Transfer' and click on the globe icon on the top right. When using My ING, select 'New transfer'.","title":"Start an international payment"},{"body":"Select the recipient's country and enter their details. Then select how much they'll receive and how the costs will be charged. Sometimes, we'll need additional details of the recipient. We'll ask those after step 3.","title":"Enter the details"},{"body":"Review the transaction offer that is shown.","title":"Review the costs"},{"body":"Review the summary of the payment details and confirm.","title":"Confirm the payment"}]}},{"componentType":"paragraph","richBody":{"value":"<p>When you send money abroad, you can choose how you - or the receiver - would like to be charged.</p><ul><li><strong>Sender (OUR):</strong> when you use OUR, you&apos;ll pay all fees, including the recipient&apos;s bank fee. Choose this option when you want to ensure that the original amount you send arrives at the bank of the recipient. This page shows the <a href=\"https://www.ing.nl/en/personal/payments/payments-abroad/our-surcharge-rates-per-country\">overview of the OUR fees</a>.</li><li><strong>Shared (SHA):</strong> when you use SHA, you&apos;ll only pay ING&apos;s fee. The recipient will pay their bank&apos;s fee and any intermediary bank&apos;s fees. With this option, it&apos;s unsure whether the original amount arrives at the bank of the recipient.</li><li><strong>Beneficiary (BEN):</strong> when you use BEN, the recipient pays all fees. This includes ING&apos;s fee, any intermediary bank&apos;s fees, and their own bank&apos;s fees. With this option, it&apos;s unsure whether the original amount arrives at the bank of the recipient. </li></ul><p>In addition, we charge a mark-up if you send another currency than euros. The ING App shows how much mark-up is charged or find the mark-ups <a href=\"https://assets.ing.com/m/168b84ce21aa46c9/original/ING_Summary-of-costs-and-charges-for-ING-payment-products-for-personal-customers.pdf\">in the tariff brochure</a> (page 14).</p><p> </p>"},"title":"Fee depends on the type of payment"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li><strong>Send money in the recipient&apos;s currency. </strong>This way the recipient&apos;s bank won&apos;t apply their exchange rate to your payment.</li><li><strong>Have the BIC handy. </strong>You may be asked to enter a BIC code. This is usually listed on the website of the recipient&apos;s bank. Or just ask the recipient!</li><li><strong>Make sure the details are correct. </strong>If the payment details are incomplete or incorrect, the recipient&apos;s bank may reject the payment, and send the money back to you. You might still be charged a fee, and you won&apos;t get the full amount back.</li></ul>"},"title":"International payment hacks"}]},"hasMacro":false,"id":"8bf9ff0f-b16a-4016-ae99-3e74419ba518","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Transfer money","url":"/en/personal/payments/money-transfers"}},"componentType":"productHeader","coreHeader":{"body":"Help your mum in Mumbai? Owe a friend in San Francisco? Rent due in Dundee? On the ING App, sending money abroad is easy, quick and convenient.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/82622daa-eb2e-4fe5-a5a0-27ca99810eb0/Woman-looking-closely-at-a-world-map-hanging-on-a-red-wall.jpg","transformBaseUrl":"https://assets.ing.com/transform/82622daa-eb2e-4fe5-a5a0-27ca99810eb0/Woman-looking-closely-at-a-world-map-hanging-on-a-red-wall","type":"image","width":4200},"subtitle":"Send money abroad?","title":"International payments"},"cta":{"componentType":"cta","textLink":{"text":"Make an international payment","url":"https://mijn.ing.nl/banking/mobile/move-money?navigation-data=7zrvie&flow-step=step-payment&EW=true"}},"usps":[{"body":"Easy: only 4 steps","icon":{"extension":"svg","original":"https://assets.ing.com/asset/7871704b-9e91-4d9a-8b80-e6ff9bdbda23/Vermogenthemas-5.svg","transformBaseUrl":"https://assets.ing.com/transform/7871704b-9e91-4d9a-8b80-e6ff9bdbda23/Vermogenthemas-5","type":"image","width":160}},{"body":"Quick: transfers in most currencies arrive the same day","icon":{"extension":"png","original":"https://assets.ing.com/asset/fcf664c7-7776-43f4-b5d4-7fe11cff163b/Insight-PNG-Test-Asset-2-002.png","transformBaseUrl":"https://assets.ing.com/transform/fcf664c7-7776-43f4-b5d4-7fe11cff163b/Insight-PNG-Test-Asset-2-002","type":"image","width":161}},{"body":"Convenient: straight from your ING App","icon":{"extension":"png","original":"https://assets.ing.com/asset/b352a747-0518-4b60-91d9-31fcf58e981b/icon_validate.png","transformBaseUrl":"https://assets.ing.com/transform/b352a747-0518-4b60-91d9-31fcf58e981b/icon_validate","type":"image","width":288}}]},"publishDate":"2026-06-18T11:11:57.671+02:00"}}